OUR PASSION IS HELPING FAMILIES SAVE THEIR HARD EARNED MONEY BY CUSTOMIZING AND PROTECTING THEIR INVESTMENTS. WE OFFER FREE NO OBLIGATION ASSESSMENTS TO QUALIFY YOU AND YOUR FAMILY OR BUSINESS FOR ANY OF YOUR HEALTH, BURIAL, LIFE, ACCIDENT, CANCER, CRITICAL ILLNESS, MORTGAGE PROTECTION, AUTO, HOME OWNERS AND COMMERCIAL REAL ESTATE, INSURANCE PRODUCTS. TOP A RATED COMPANIES ONLY!

WE ALSO OFFER FREE PRE-APPROVALS ON ALL LOT, LAND, COMMERCIAL REAL ESTATE, NEW OR USED MANUFACTURED SINGLE AND DOUBLEWIDES, NEW PURCHASES, CONVENTIONAL, FHA, USDA, 100% FINANCING, REVERSE MORTGAGE AND REFINANCING REAL ESTATE PRODUCTS.

DID YOU OR SOMEONE YOU KNOW RECENTLY LOOSE MONEY IN THE MARKET, YOUR 401K OR OTHER RETIREMENT PRODUCT?

DO YOU OR SOMEONE YOU KNOW WANT TO MAKE MORE THAN THE AVERAGE SAVINGS OR CD ACCOUNT?

WE SPECIALIZE IN RETIREMENT PLANNING AND WE GUARANTEE OUR SAFE AND SECURE FIXED AND INDEXED ANNUITIES CAN BUILD A MOTE TO SECURE YOUR RETIREMENT CASTLE.

FOR YOUR FREE QUOTE:

IN PERSON OR MAIL @
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PHONE @
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Health Insurance Plans

  • Some insurance is better than none..
  • Plans starting at $8 a month / $15 a month Family
  • Less expensive than your employers Group plans
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  • AGES 0 - 89

Life and Burial Plans

  • Whole Life
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  • Term Life (Return of Premium Rider optional)
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  • $1,000 - $1,000,000+ Coverage Options

Mortgage Products

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Retirement Products

  • NO ONE HAS EVER LOST A CENT IN MY PRODUCTS!
  • ENJOY GAINS WITH OUT THE MARKET LOSS
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  • 10% BONUS ANNUITIES
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  • CD VS ANNUITY COMPARISON

Understanding Annuities

> Understanding Annuities

Annuities come in various forms – fixed, variable, income, index-linked and more – and each has its place and time in an investment portfolio. Generally, annuities are purchased as long-term investments to cover future needs like retirement or lifetime income; however, in recent times, annuities have emerged as a safe-haven for “just-in-case” money that heretofore was held in banks or government bonds. Annuities are issued by insurance companies and generally presented by financial professionals and planners to conservative, long-term savers seeking reasonable returns, safety and some access to their money in case of unexpected needs. All annuities offer triple compounding through tax deferral of earnings.

Please contact METCALFINDUSTRIES@GMAIL.COM for more Q'S and A's.

Question: Can you get your money right away from any annuity account, without being penalized for it?
Answer: Generally an annuity has a penalty for early surrender. This penalty period runs for several years after the purchase date. During this period you can generally get a liberal amount of the annuity funds free of penalty, e.g., 10% per year of the balance or the accumulated interest, if greater. You'll want to look at your contract to determine the early surrender penalty as well as the liquidity features.

Question: I have a regular variable annuity. Tell me the difference between a regular and a guaranteed annuity
Answer: The primary difference between variable and fixed (guaranteed) annuities is: with a variable the owner takes all the risk of loss whereas with a fixed annuity the insurance company takes all the risk of loss. There is a Primer on Variable Annuities at www.theretirementpros.com - we think this will help you understand the difference and also whether or not the VA is an appropriate investment for you. If you have questions, please feel free to e-mail us.

Question: Are fixed annuities a good investment and why on the statement are there the amount of the annuity and then a lower amount for cash value even though they have reached maturity?
Answer: Fixed annuities do not have a commission, or load, when you buy them; however, if you surrender ("cash out") prior to the maturity date you pay a penalty. That is why you see the lower "cash surrender value" on your statement. This is nothing to worry about if you do not plan to surrender prior to maturity. Also, this penalty declines as you approach the maturity date.
Fixed annuities are a great way to save for retirement because they are safe, offer competitive fixed interest rates or the opportunity to link to the markets, give you tax deferral, protect you from loss if you hold until maturity, and provide triple compounding.


401K, IRA OR PENSION ROLLOVERS

ROLLING OVER YOUR RETIRMENT MONEY:

When you leave an employer you pass along all the important files, turn in your office key, parking pass, ID badge and leave your e-mail address behind. The one thing that you need to think about long and hard before you leave it with your former employer is your Retirement money: 401(k), profit sharing, 403(b), TSP, etc. Yet almost forty percent of departing employees, ages 60 to 65 (and an even higher percentage of the younger ages), leave their retirement money in their former employers' plans.
You stay put because you may feel a sense of loyalty, are unsure of how to transfer these moneys to another plan, are fearful of assuming direct responsibility for the investments, or simply are not aware that you can move all or some of the money. You should know that not taking your retirement money when you leave could jeopardize your future in retirement.

PLEASE CONTACT US AT METCALFINDUSTRIES@GMAIL.COM

Many plan a Market EXIT but.....

If you have money invested in the market, chances are very high that you have a loss. In talking to savers and investors like you, I’m amazed that they all tell me the same thing: "As soon as my investments get back to where they were, I’m getting out of the market". Let’s give some thought to this exit strategy.
First, by saying "as soon as" or "when" the market recovers, you’re making an economic forecast. How do you know the market is going to recover soon, or even in your lifetime? People were saying the same thing in 1929 but they didn’t get their chance to exit at breakeven until late 1954 – 25 years later. In case you think the great depression was an anomaly, look at the market averages in late 1969 and compare them to late 1982—the DJIA at the beginning of this thirteen year period was the same as at the end. As this is being written in 2009 the DJIA is at roughly 8000 – the same level as 1997. So if you say "when the market comes back to where it was", exactly what time frame did you have in mind? One more thing – if you adjust for inflation, the picture gets a lot worse. If you’re over age 65, do you have enough time for the market to recover? Even if the market does recover in ten years, will your money still purchase the same as before?
So what makes you think the market is coming back during your lifetime? Maybe that’s what your stockbroker told you… wonder if she might have an ulterior motive like losing control of your money – which means lower future commissions – or saving face? Regardless, you should pay no attention to her "forecast" because obviously she didn’t know the market was going to meltdown or you would have been warned. So, what makes you now think your broker knows when it is coming back? The fact is: no one knows when, or if, the market will recover. There are many forecasts, i.e. guesses, but no one has a crystal ball that tells the future.
So what should you do? Start by answering this question: "What will I do if the market continues to meltdown and I lose half of what I now have?" If you think this can’t happen, you can stop reading. If you don’t like the answer you gave, then maybe you should think about getting out of the market or reducing your exposure. I know, you’ll be turning paper losses into real losses – or maybe you’ll be avoiding more losses. Or, if you get out now, you’ll miss the coming recovery (don’t forget, no one knows when the market will recover). Yes, I know it would hurt to take your losses… but, if you still have enough for an acceptable retirement, you need to be realistic about the hard decision you face. Maybe locking in a guaranteed lifetime income with what you have left is the way to go. Yes, this is very easy to do by depositing your money with an insurance company that can protect you from longevity risk (that’s the risk of outliving your money).
The foregoing is not the advice you’re getting from those that sell stocks, bonds, mutual funds, variable annuities and other market investments, or charge you a percentage-of-assets to manage your money. If you exit the market, they lose commissions. What’s more, those that sell such investments have drunk the Kool- Aid brewed by Wall Street. The brokerage industry has been exposed: they’ve even mismanaged their own money. Nonetheless, there’s no shortage of pundits preaching "market is coming back and now is the time to buy at bargain prices". Unfortunately, among the believers are those who least can afford the risks. You’d be well advised to not "drink their Kool-Aid" -- instead contact METCALFINDUSTRIES@GMAIL.COM. We offer solid advice about the safe money options available.

Mutual Funds

Mutual funds are owned by 50 million Americans – making them a common investment for all ages. Mutual funds come in a dazzling array of choices and involve fees and expenses from very low to very high. Since the vast majority of mutual fund investment managers fail to equal the performance of the market indexes, are you getting what you’re paying for? Are “no load” and “index” funds better than the other choices? Since the underlying assets of mutual funds are generally stocks and bonds, are they suitable for you and can you afford the risk of loss? Should you alter your investment mix as you go through your life cycle? If you’re in the red zone near retirement or already in retirement, what mutual funds are appropriate?

Please contact us at METCALFINDUSTRIES@GMAIL.COM

Personal near death experience helped me find my passion for helping others.

FRIGID LAKE PALESTINE 3-1-08

FRIGID LAKE PALESTINE
Frigid Lake PalestineEast Texas Posted on Friday, March 14, 2008......Couple Questions Handling Of 911 Call......Tyler Paper graphic By KENNETH DEAN Staff Writer......HEAR A RECORDING OF THE 911 CALL!http://www.tylerpaper.com/assets/wav/TP41271313.wavThey boarded their new 14-foot air boat earlier this month, excited about spending time together in a bowfishing tournament. Moments later they would find themselves floating in frigid Lake Palestine waters, hoping their 911 call from the middle of the lake would lead to their rescue. Jared and Jamey Metcalf told the Tyler Morning Telegraph of their near-tragic experience, dealing with hypothermia and the darkness of night after their boat sank March 1 between the Villages Resort and Point Royal. When they were finally rescued more than an hour later, Jamey’s body core temperature was 84 degrees — only degrees from being fatal. The family says the Smith County 911 dispatcher handling the call sent rescuers to the wrong location, miles away, and only the miracle of citizens coming to their aid kept them from being statistics.SINKING FEELINGJamey said she and her husband had been excited about the bow fishing tournament and never dreamed when they left the dock that night they would face death. “We had been looking forward to being out on the water and it was our sixth year anniversary weekend,” she said. The couple left the boat dock shortly after 6:30 p.m. and traveled only a few minutes before stopping the boat. The small craft, heavy in the rear because of the huge fan and motor, was quickly swamped and began to sink, leaving the couple stranded in the middle of the lake. The couple fumbled around in the dark and found life jackets and a bag containing a cell phone, which Jared used to call for help. In the 911 call, Jared is heard saying he and his wife “are floating in the lake and our boat is gone.” The dispatcher, having a hard time understanding Jared, asks the man to repeat what the problem is and where he is located. Jared is heard repeatedly asking, “Can you hear me now.” The dispatcher says, “Barely.” Each time Jared attempts to tell the dispatcher his location, the sound becomes garbled. However, after enhancing the 911 recording, he can be heard saying, “We are dog paddling between The Villages and Point Royal.” Jared said he was quickly becoming frustrated. “Our lives were in their hands, and he put me on hold,” he said. In the recording, the dispatcher asks Jared to hold, and Jared can be heard saying, “I cannot believe this.” The dispatcher comes back on the line, asks again where Jared and his wife are, then listens. He then tells Jared, “Sir you’re real muffled,” and puts him on hold again. The call is then lost.THE SEARCHThough the dispatcher attempts repeatedly to call Jared back, the wet phone will not allow the couple to answer. Jared and Jamey float in the darkness as their bodies begin shaking in the 53-degree water. “I never even thought about dying, not even when we had been in the water awhile. I knew I was getting tired, but I just thought that was from swimming and not because my body temperature was falling,” Jamey said. Dispatchers working the call continued trying to reach the couple and notified firefighters and Game Wardens Chris Green and Leanne Winkenwerder, who made their way toward Lake Way Harbor, several miles east of the couple. The dispatcher handling the original call is heard telling another dispatcher he believes the caller said lake something then harbor. While rescue teams head to a location east of the Texas Highway 155 bridge, the dispatcher continues calling Jared’s phone, but gets only voicemail. Jared said he just couldn’t answer the phone. “It kept lighting up and I was screaming for help,” he said. Fishing at his dock, Butch Welker heard cries for help and set out in his boat toward the voice and a light on the water. The light would turn out to be the cell phone Jared was holding over his head. Across the lake, another party was listening to their police scanner and decided to help in the search. Welker found Jared and pulled him aboard his boat at about the same time the other party found Jamey and dragged her aboard. The two had been in the cold waters for more than an hour, and ambulances soon had them loaded and on the way to the hospital. Jared would be treated and released, but Jamey would be forced to spend the weekend.THANKFUL WITH QUESTIONSStanding in his shop behind his Tyler home, Jared said he is thankful to be alive, but he questions how well 911 works in Smith County. “911 in Smith County better fix something quick,” he said. He said he has talked to an attorney about the matter, but that he has not heard the 911 recording. Jamey said she thanks God for being rescued. “I didn’t know just how bad I was until I was told at the hospital after I woke up. I say God saved us because I never had any fear. I knew someone would find us,” she said. Jared said he agrees with his wife, but he is afraid the next time someone needs help they may not get it in time. “The bottom line is they just didn’t listen and this could have ended badly. I was hollering into the phone and I got frustrated, and I told them where we were repeatedly,” he said. “The dispatcher should have listened to me instead of asking questions, and told rescuers where we were.” Jared continued, saying, “I want to feel safe in the future if I have to call 911.” Green said he has been over the incident, and he believes everyone did their jobs correctly. “It’s a revolving door policy at the 911 center and many don’t know a thing about Lake Palestine, so there’s really not anyone to blame. There was potential for a double fatality because the water temperature was so cold and they were in the water for quite awhile” he said. " We thank God they’re alive.”RELATED LINKS ::HIGHLIGHT THE LINK BELOW AND OPEN IT IN A NEW WINDOW...YOU CAN HERE OUR 911 CALL!! Listen to the 911 call (.wav)http://www.tylerpaper.com/assets/wav/TP41271313.wav